| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MWI GAINESVILLE3 | 3501 W UNIVERSITY AVE GAINESVILLE, FL 32607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 4.01% |
| MWI GAINESVILLE3 Filed as: MWI GAINESVILLE INC. | 3501 WEST UNIVERSITY AVE. GAINESVILLE, FL 32607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $9K | — | $9K | 14.08% |
| MWI GAINESVILLE3 Filed as: MWI GAINESVILLE, INC. | 3501 WEST UNIVERSITY AVE. GAINESVILLE, FL 32607 | GUARDIAN | $6K | — | $6K | 10.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN | $3K | — | $3K | 5.00% |
| HARRISON-DAVIS INC3 Filed as: HARRISON-DAVIS INC. | 5426 BAY CENTER DR. SUITE 550 TAMPA, FL 33609 | GUARDIAN | $97 | — | $97 | 0.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS & BROKERS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $1K | $3K | 19.91% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 113 | $875K |
| Dental | GUARDIAN | 81 | $60K |
| Vision | GUARDIAN | 81 | $60K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 129 | $64K |
| Short-term disability | GUARDIAN | 81 | $60K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 129 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.